Free tool · Means Test Mastery
Means Test Median Income Calculator
Is your client over the state median? Check it in seconds with the U.S. Trustee Program figures for cases filed on or after July 15, 2026. Every state, DC and the territories. No sign-up.
Enter the income to see the result.
Figures: U.S. Trustee Program, Census Bureau median family income for cases filed on or after July 15, 2026 (source). This tool is a quick check, not legal advice. The responsible attorney reviews every filing.
How the median check works
- What income counts?
- Current monthly income is the average of all income received in the six full calendar months before the filing month, from every source, including a spouse's income in a joint case or when the spouse lives in the household. Social Security benefits and VA or military disability benefits are left out.
- Which six months?
- The six full calendar months before the month of filing. A November 2026 filing looks at May through October 2026. Moving the filing date changes the window, which can drop a bonus or a job that has ended.
- What if the client is over the median?
- Being over the median is not the end of Chapter 7. It means completing Form 122A-2, where the full IRS standards, secured debt payments and other allowed deductions often show no presumption of abuse. BKSync's Chapter 7 Pathway checks those routes on every case.
- Households larger than four?
- Add $11,100 for each person over four, as the U.S. Trustee table directs.
Do the whole Means Test from the client's documents
Upload pay stubs, bank statements, tax returns and credit reports. BKSync works out current monthly income month by month, fills Forms 122A-1 and 122A-2 line by line, and runs the Chapter 7 Pathway.